The Knowledge Lab

Pre-Program Diagnostics (Sent in Advance)

• Written and/or voice-based diagnostic tests sent to participants before sessions begin
• Assessment of reading comprehension of financial documents (bills, contracts, official messages)
• Basic numeracy and calculations (interest, installments, totals)
• Writing ability for everyday financial communication
• Verbal comfort in asking questions and explaining decisions
• Identification of recurring barriers participants face in banks, utilities, and public offices
• Results used solely to tailor instruction, not to evaluate or rank participants

Personalized Curriculum Design

• Learning plans built directly from diagnostic test results
• Grouping participants by needs and skill levels
• Content adapted to local financial interactions and common documentation
• Materials adjusted for literacy level and language comfort

Core Skills Taught

• Reading and interpreting utility bills, bank notifications, loan agreements, and forms
• Identifying unclear language, fees, and obligations
• Asking precise and effective questions in financial settings
• Explaining financial choices clearly to institutions and family members
• Writing practical letters and messages to banks, landlords, employers, and service providers
• Understanding basic financial concepts: interest, penalties, debt, repayment schedules, savings, and budgeting
• Recognizing when additional clarification or assistance is needed

Applied Writing Practice

• Drafting unsent letters based on participants' real financial situations
• Translating spoken concerns into clear written communication
• Rewriting official or complex language into plain language

Retention and Continuity

• Personalized retention packs provided at program completion
• Plain-language guides tailored to individual needs
• Sample letters and templates
• Key financial terms explained simply
• Practice prompts for continued use
• Materials designed for long-term reference and independent use

Program Outcomes

• Increased confidence in reading, writing, and speaking about financial matters
• Reduced reliance on intermediaries for routine financial interactions
• Improved ability to make informed financial decisions independently